The primary SBA web site is here.

A concise summary of SBA loan guarantee programs is displayed here.

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Program

Brief Description

SBA 7(a) CAPLines Seasonal Line Guarantee Loan Program

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These are advances against anticipated inventory and accounts receivable help during peak seasons when businesses experience seasonal sales fluctuations. Can be revolving or non-revolving. CAPLines loan guarantees adhere to SBA &(a) loan guidelines, except the Small Asset-Based Line, which has a maximum guarantee amount of $200,000. Each of the CAPLines lines of credit has a maturity of up to five (5) years, but because each is tailored to an individual business's needs, a shorter initial maturity may be established. CAPLines funds can be used as needed throughout the term of the loan to purchase short term assets, as long as sufficient time is allowed to convert the assets into cash at maturity.

SBA 7(a) CAPLines Contract Line Guarantee Loan Program

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Finances the direct labor and material cost associated with performing assignable contract(s). Can be revolving or non-revolving. CAPLines loan guarantees adhere to SBA &(a) loan guidelines, except the Small Asset-Based Line, which has a maximum guarantee amount of $200,000. Each of the CAPLines lines of credit has a maturity of up to five (5) years, but because each is tailored to an individual business's needs, a shorter initial maturity may be established. CAPLines funds can be used as needed throughout the term of the loan to purchase short term assets, as long as sufficient time is allowed to convert the assets into cash at maturity.

SBA 7(a) CAPLines Builders Line Guarantee Loan Program

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If you are a small general contractor or builder constructing or renovating commercial or residential buildings, this can finance direct labor-and material costs. The building project serves as the collateral, and loans can be revolving or non-revolving. CAPLines loan guarantees adhere to SBA &(a) loan guidelines, except the Small Asset-Based Line, which has a maximum guarantee amount of $200,000. Each of the CAPLines lines of credit has a maturity of up to five (5) years, but because each is tailored to an individual business's needs, a shorter initial maturity may be established. CAPLines funds can be used as needed throughout the term of the loan to purchase short term assets, as long as sufficient time is allowed to convert the assets into cash at maturity.

SBA 7(a) CAPLines Standard Asset-Based Line Guarantee Loan Program

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This is an asset-based revolving line of credit for businesses unable to meet credit standards associated with long-term credit. It provides financing for cyclical growth, recurring and/or short-term needs. Repayment comes from converting short-term assets into cash, which is remitted to the lender. Businesses continually draw from this line of credit, based on existing assets, and repay as their cash cycle dictates. This line generally is used by businesses that provide credit to other businesses. Because these loans require continual servicing and monitoring of collateral, additional fees may be charged by the lender. CAPLines loan guarantees adhere to SBA 7(a) loan guidelines, except the Small Asset-Based Line, which has a maximum guarantee amount of $200,000. Each of the CAPLines lines of credit has a maturity of up to five (5) years, but because each is tailored to an individual business's needs, a shorter initial maturity may be established. CAPLines funds can be used as needed throughout the term of the loan to purchase short term assets, as long as sufficient time is allowed to convert the assets into cash at maturity.

SBA 7(a) CAPLines Small Asset-Based Line Guarantee Loan Program

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This is an asset-based revolving line of credit of up to $200,000. It operates like a standard asset-based line except that some of the stricter servicing requirements are waived, providing the business can consistently show repayment ability from cash flow for the full amount. CAPLines loan guarantees adhere to SBA 7(a) loan guidelines, except the Small Asset-Based Line, which has a maximum guarantee amount of $200,000. Each of the CAPLines lines of credit has a maturity of up to five (5) years, but because each is tailored to an individual business's needs, a shorter initial maturity may be established. CAPLines funds can be used as needed throughout the term of the loan to purchase short term assets, as long as sufficient time is allowed to convert the assets into cash at maturity.

SBA 7(a) Loan Guarantee Program

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The 7(a) Loan Program is the SBA’s primary program to help start-up and existing small businesses obtain financing when they might not be eligible for business loans through normal lending channels. The name comes from section 7(a) of the Small Business Act, which authorizes the SBA to provide business loans to American small businesses.

SBA 7(a) Express Loan Guarantee Program

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SBAExpress gives small business borrowers an accelerated turnaround time for SBA review. A response to an application will be given within 36 hours. SBAExpress loans have a maximum guaranty set at 50 percent which is less than the regular 7(a) small business loan program.

SBA 7(a) Export Express Loan Guarantee Program

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Most banks in the U.S. do not lend against export orders, export receivables or letters of credit.  SBA temporarily provides lenders with up to a 90 percent guaranty on export loans as a credit enhancement to encourage participating banks to make loans that make the necessary export financing available. SBA Export Express helps small businesses develop or expand their export markets. The program provides exporters and lenders a streamlined method to obtain SBA-backed financing for loans and lines of credit up to $250,000.

SBA 7(a) Patriot Express Loan Guarantee Program

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For veterans and members of the military community wanting to establish or expand small businesses.

SBA 7(a) Community Express Loan Guarantee Program

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Approved SBA lenders are authorized to adopt SBA’s most streamlined and expedited loan procedures to provide a unique combination of financial and technical assistance to borrowers located in the nation’s underserved communities. 

SBA 7(a) Export Working Capital Loan Guarantee Program

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SBA’s Export Working Capital Program (EWCP) loans are targeted to small businesses that are able to generate export sales and need additional working capital to support these sales. Since most banks in the U.S. do not lend against export orders, export receivables or letters of credit, SBA provides lenders guaranties of up to 90 percent on export loans to ensure that qualified exporters do not lose viable export sales due to a lack of working capital.

SBA 7(a) International Trade Loan Guarantee Program

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The International Trade Loan Program offers term loans to businesses that plan to start or continue exporting or that have been adversely affected by competition from imports. The proceeds of the loan must enable the borrower to be in a better position to compete.

SBA CDC/504 Direct Loan Program

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This program provides long-term, fixed-rate financing to acquire fixed assets (such as real estate or equipment) for expansion or modernization. It is designed for small businesses requiring “brick and mortar” financing, and is delivered by CDCs (Certified Development Companies)—private, non-profit corporations set up to contribute to the economic development of their communities.

SBA Micro-Loan Direct Loan Program

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This is for small businesses and not-for-profit child-care centers needing small-scale financing and technical assistance for start-up or expansion.

USDA Business And Industry Guaranteed Loan Program

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The purpose of the B&I Guaranteed Loan Program is to improve, develop, or finance business, industry, and employment and improve the economic and environmental climate in rural communities. This purpose is achieved by bolstering the existing private credit structure through the guarantee of quality loans which will provide lasting community benefits. It is not intended that the guarantee authority be used for marginal or substandard loans or for relief of lenders having such loans.

Financial Resources For Northwest & West Central Ohio Entrepreneurs

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